Personal Loans · Oklahoma
53 credit unions in Oklahoma report personal loan rates to the NCUA. Rates range from 8.93% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
53
CUs Reporting Rates
8.93%
Lowest Rate
12.33%
State Average Rate
25
Cities Covered
53 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | OK MEMBERS FIRST TULSA | 8.93% | 12.16% |
| 2 | CORRECTIONAL WORKERS EL RENO | 8.98% | — |
| 3 | EMPLOYEES TULSA | 9.49% | — |
| 4 | SOUTHWEST OKLAHOMA Lawton | 9.50% | 10.90% |
| 5 | FRATERNAL ORDER OF POLICE Tulsa | 9.66% | 13.56% |
| 6 | ENCENTUS Tulsa | 9.91% | 10.90% |
| 7 | THE FOCUS Oklahoma City | 9.98% | 12.41% |
| 8 | SAINT FRANCIS EMPLOYEES Tulsa | 9.99% | 9.99% |
| 9 | CREDIT UNION ONE OF OKLAHOMA Oklahoma City | 9.99% | 7.99% |
| 10 | RED CROWN Tulsa | 9.99% | 12.50% |
| 11 | ARBUCKLE ADA | 10.00% | — |
| 12 | OKLAHOMA OKLAHOMA CITY | 10.24% | 7.00% |
| 13 | OU NORMAN | 10.74% | 17.99% |
| 14 | FIRST FAMILY Henryetta | 10.95% | 9.90% |
| 15 | MUSKOGEE Muskogee | 11.20% | 7.90% |
| 16 | U. S. EMPLOYEES O. C. OKLAHOMA CITY | 11.24% | 12.75% |
| 17 | TTCU Tulsa | 11.24% | 13.40% |
| 18 | OKUNITY Stillwater | 11.39% | — |
| 19 | OKLAHOMA CENTRAL Tulsa | 11.49% | — |
| 20 | COMMUNICATION OKLAHOMA CITY | 11.63% | 12.99% |
| 21 | MORNING STAR Tulsa | 11.71% | — |
| 22 | TRUITY Bartlesville | 11.75% | 12.49% |
| 23 | FIRST OKLAHOMA Glenpool | 12.00% | 12.75% |
| 24 | VELMA Velma | 12.00% | — |
| 25 | GREEN COUNTRY Sand Springs | 12.11% | 9.99% |
| 26 | MUNICIPAL EMPS CU OF OKLAHOMA CITY OKLAHOMA CITY | 12.15% | 10.99% |
| 27 | DEPARTMENT OF PUBLIC SAFETY OKLAHOMA CITY | 12.19% | — |
| 28 | WEOKIE Oklahoma City | 12.19% | — |
| 29 | UNITED MEMBERS TULSA | 12.29% | — |
| 30 | FIRE FIGHTERS TULSA | 12.29% | — |
| 31 | FORT SILL Lawton | 12.33% | 10.03% |
| 32 | ENERGIZE OKLAHOMA CITY | 12.50% | — |
| 33 | OK Bartlesville | 12.50% | — |
| 34 | TINKER Oklahoma City | 12.71% | 13.50% |
| 35 | WESTERN SUN Broken Arrow | 12.84% | 10.00% |
| 36 | CHEROKEE STRIP Ponca City | 12.87% | 14.99% |
| 37 | OKLAHOMA'S OKLAHOMA CITY | 12.96% | 14.22% |
| 38 | TRUE SKY Oklahoma City | 12.97% | 10.74% |
| 39 | BISON Shawnee | 12.99% | 11.99% |
| 40 | ENERGY ONE Tulsa | 12.99% | — |
| 41 | GROWING OAKS Goldsby | 13.25% | — |
| 42 | OTOE-MISSOURIA Red Rock | 13.25% | — |
| 43 | COMANCHE COUNTY Lawton | 13.85% | 13.90% |
| 44 | MCALESTER AAP MCALESTER | 13.88% | — |
| 45 | ENDURANCE Duncan | 14.00% | 12.95% |
| 46 | ALLEGIANCE Oklahoma City | 14.24% | — |
| 47 | TEACHERS Oklahoma CIty | 14.29% | — |
| 48 | INTEGRIS Oklahoma City | 15.16% | 23.50% |
| 49 | DFCU TULSA TULSA | 16.08% | 11.99% |
| 50 | COOPERATIVE EMPLOYEES ANADARKO | 16.75% | — |
| 51 | RED RIVER Altus | 17.90% | 12.25% |
| 52 | OKLAHOMA EDUCATORS OKLAHOMA CITY | 18.00% | 9.90% |
| 53 | WESTREET Tulsa | 18.00% | 27.33% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.